AI-native financial intelligence

Your AI CFO.
From day one.

Connect your UK bank account in 60 seconds. Get real-time cash flow forecasts, automated VAT returns, and a plain-English AI that answers your financial questions based on your actual numbers.

5.5M
UK SMEs underserved
ยฃ13.2B
Total addressable market
ยฃ29
Starting from per month
82%
Gross margin at scale
Open Banking Integrationโ—†HMRC Making Tax Digitalโ—†AI Cash Flow Forecastingโ—†VAT Return Automationโ—†FCA Regulated Dataโ—†Real-Time P&Lโ—†Lending Readiness Scoreโ—†Plain-English Financial Adviceโ—†Open Banking Integrationโ—†HMRC Making Tax Digitalโ—†AI Cash Flow Forecastingโ—†VAT Return Automationโ—†FCA Regulated Dataโ—†Real-Time P&Lโ—†Lending Readiness Scoreโ—†Plain-English Financial Adviceโ—†
The Problem

UK SMEs are flying completely blind.

01

No real-time visibility

Cash flow crises appear with four days' warning. Founders only find out when payroll bounces.

02

Accountants are reactive

ยฃ150โ€“500/hr, a call once a quarter, advice that arrives after the damage is already done.

03

HMRC surprises are brutal

Late VAT penalties, Corporation Tax shocks. 50% of SMEs caught out by a tax bill they didn't see coming.

04

Tools store data, not insight

Xero and QuickBooks are ledgers, not advisors. They tell you what happened, never what to do.

"I found out I couldn't make payroll four days before it was due. My accountant hadn't flagged it."

โ€” Sarah M., Founder, London
The Solution

Everything a CFO does, automated.

01

Live Cash Flow Engine

Connect any UK bank in 60 seconds. 90-day forecast updated in real time. See runway, burn rate, and upcoming obligations at a glance.

02

AI CFO Chat

Ask in plain English. "Can I afford to hire in March?" Answers drawn from actual bank data โ€” not generic advice.

03

VAT Return Automation

Calculates and submits to HMRC via Making Tax Digital API. Deadlines tracked. Never pay a late penalty again.

04

Proactive Alerts

Low runway warnings 60 days out. Unusual spend spikes, upcoming HMRC deadlines, payroll risk flags โ€” before they matter.

05

Lending Readiness Score

Know your borrowing capacity before you apply. Updated daily. No credit check, no surprise rejections.

Live Demo

Your financial command centre.

app.orbitcfoai.co.uk/dashboard
Cash Today
ยฃ34,200
โ†‘ +12.3% MoM
Runway
10.7 mo
โ†‘ Healthy
30-Day Forecast
ยฃ38,100
โ†‘ Trending up
Next VAT
ยฃ2,240
โš  Due 31 Jul
Cash Flow ยท 6 month view
Feb
Mar
Apr
May
Jun
Jul
* AI forecast based on historical patterns
Recent transactions ยท Barclays Business
  • Stripe Payments
    22 May
    +ยฃ4,200
  • AWS Europe
    21 May
    ยฃ312
  • Shopify
    20 May
    ยฃ79
  • Client Invoice #041
    19 May
    +ยฃ2,800
  • HMRC VAT Payment
    18 May
    ยฃ1,840
Pricing

Less than one hour with an accountant.

Starter
ยฃ29/ month
  • โ†’Bank sync
  • โ†’30-day dashboard
  • โ†’HMRC alerts
  • โ†’Basic analytics
  • โ†’Email support
Get started
Most Popular
Growth
ยฃ79/ month
  • โ†’Everything in Starter
  • โ†’AI CFO chat unlimited
  • โ†’VAT automation
  • โ†’90-day forecast
  • โ†’Monthly P&L
Get started
Scale
ยฃ149/ month
  • โ†’Everything in Growth
  • โ†’Lending readiness score
  • โ†’Multi-account
  • โ†’Scenario modelling
  • โ†’Accountant integrations
  • โ†’Dedicated onboarding
Get started
From Discovery Calls

What UK founders told us.

"I spend Sunday evenings reconciling Xero. It's the worst part of owning a business."
โ€” Sarah M., Founder, 8-person agency, London
"Our accountant told us about a ยฃ12K tax bill in December. Christmas money, gone."
โ€” James T., Director, e-commerce brand, Manchester
"If something told me 'you can afford to hire in March but not February' I'd pay ยฃ100 a month."
โ€” Priya K., Founder, SaaS startup, Bristol
Book a Call

15 minutes. No pitch. Just orbitcfo.

We're speaking to UK business owners this week. Tell us your biggest financial headache โ€” first 20 sign-ups get 6 months free.

Your SME deserves a CFO.

Connect your bank in 60 seconds. Get your first cash flow forecast free. No credit card required.